If you want to use that template please be aware that format in a
check book and the format in that template are setting up you account
as if you are doing the books for your bank. (at least in most US checkbooks)
If you were doing your own records for yourself the
Dr(+) would still be on the left but indicate additions
Cr(-) would still be on the right, but indicate payments out of account.
In any case I would suggest that you set up formulas with offset to refer
to the previous row, so that you can reorder you entires without having
to rework your formulas. There is a big difference between copying
a formula down and between either recopying ALL of the formulas down
or copying down missing formulas only.
http://www.mvps.org/dmcritchie/excel/insrtrow.htm
so instead of
G3: =G2+F3-E3 reversed use of Dr and Cr as in template
use
G3: =OFFSET(G3,-1,0) +F3-E3 reversed use of Dr and Cr as in template
By the way the use of SUM for each balance would be very inefficient, and
the use of SUMPRODUCT for each balance would be the same (inefficient).
Checklist of things to check (#checklist) -- look for use of SUM
http://www.mvps.org/dmcritchie/excel/slowresp.htm#checklist for how much difference, see
http://groups.google.com/groups?as_umsgid=ugDxrXayCHA.2592@TK2MSFTNGP10